Netherlands mortgage calculator
Calculate Dutch mortgage repayments (Hypotheek), NHG guarantee limits (€435k) and monthly mortgage interest tax deduction (Hypotheekrenteaftrek).
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NHG offers ~0.5% lower interest rates
Cumulative borrowing cost
Principal + interest payments
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About this tool
Estimate your Dutch mortgage (hypotheek) monthly repayments, verify eligibility for the National Mortgage Guarantee (Nationale Hypotheek Garantie - NHG), and estimate monthly mortgage interest tax deductions (hypotheekrenteaftrek).
How to use it
- 1 Enter the home purchase price in Euros.
- 2 Enter your mortgage interest rate and loan term (up to 30 years).
- 3 Review your monthly gross repayment, net cost after tax deduction, and NHG status.
Questions
What is the 2024 NHG limit in the Netherlands?
The 2024 National Mortgage Guarantee (NHG) purchase price ceiling is €435,000 (or €461,100 if investing in energy-saving improvements).
What is hypotheekrenteaftrek?
Hypotheekrenteaftrek is the Dutch tax deduction allowing homeowners to deduct paid mortgage interest from their Box 1 taxable income.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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